505-A River St.
Santa Cruz, CA 95060

Personal Service

personal service

Personal Service:

Choosing insurance plans can be difficult, but I can make it easy for you. I work with nationally recognized insurance companies to give you the quality, affordable insurance you’re looking for. I make the calls, compare the plans and prices, and find you the insurance plan that fits your needs. Best of all, my help is absolutely free.

I have helped enroll some 400 families and a number of small businesses in Santa Cruz and Monterey so far and I’m ready for you.


“Spending my day solving problems for businesses, I am acutely aware of the difference it makes when a business owner has a client-centric mindset.

Manfred Luedge is the kind of insurance agent who is unique. While many say they want to take care of the client, Manfred’s values are centered on client care.

Can I share my story? I was diagnosed with a cancerous growth. When I talked to my doctors I found out I had a policy that was going to be very expensive for me to get treatment. As it happened, my husband just got a new job and as a result I was no longer eligible for the policy I currently had.

Manfred then moved heaven and earth to have a new policy in place in 3 days so I could continue with my doctor’s treatment plan. Now to say I was emotional during this process is an understatement. Manfred handled my concerns and needs in a professional manner while supplying the emotional support and confidence I needed.

I am happy to say that the surgical removal of the cancer was successful. My relationship with my oncologist will be ongoing. I now have the confidence that with Manfred on my team, my ability to choose the right coverage is guaranteed.

I highly recommend Manfred as the go-to person for health insurance, disability insurance, and supplemental coverage.”

Thank you Manfred!
~ Doreen Milano
CPC, Visions to Excellence